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How to add money to venmo without bank account

how to add money to venmo without bank account

Nope - whenever you receive a payment from one of your friends, the money is put in your Venmo account. You need to initiate a bank transfer for the funds. Fund Venmo payments through your bank account · Tap the menu button (the one with three horizontal lines) · Proceed to Settings then select. Send money to or from a bank account with an electronic funds transfer (EFT). Transfer money via a third-party payment app like Venmo® or PayPal®.

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Venmo How To Add Money - How To Add Money To Venmo From Bank Account - How To Add Money To Account

How to add money to venmo without bank account -

Venmo is an online payment company that supports the peer-to-peer transfer of funds. Users can access Venmo services via a mobile app with either android or iOS smartphones. Today, I want to explain to you how to get money from Venmo without a bank account so just stick around. Not everybody who has an account with Venmo or any other mobile wallet account has a bank account.

Venmo started its operations in 2009 under the parent organizations PayPal and Braintree. Paypal is one of the most successful online payment platforms that operate globally. Almost all the countries of the world support PayPal operations within their borders. On the other hand, Braintree is also a payment company with headquarters in Chicago and focuses on payment programs for e-commerce companies. Braintree was the first one to acquire Venmo in 2012, and then later, PayPal acquired Braintree in 2013.

In a real sense, Venmo belongs to PayPal. Venmo’s headquarters are in New York, USA. The company boasts of more than 40 million users, according to 2019 statistics that Paypal produced sometimes in April 2019. There is a possibility that the number has grown to greater heights since then. The number included those who had made at least a single transaction in the past 12 months.

How can you get money from Venmo without a bank account?

Most Venmo users usually link their US bank accounts to their Venmo accounts for withdrawals or topping up. However, if you don’t have a bank account, you can still get cash from Venmo. All you need is a Venmo Debit Card.  The card operates like other regular cards from banks and credit unions. Since you can transfer money from one card to another online; Venmo Debit Card allows the same to other cards online.

Now back to how you can get money from your Venmo account using Venmo Debit Card. The card is a Mastercard card that operates on the Mastercard network. Therefore, you can withdraw money from your Venmo account at an ATM point accepting Mastercard. You will therefore have withdrawn cash without relying on any bank services.

How can you get the Venmo Debit Card?

The first thing you have to do is to create a Venmo account. To open an account with Venmo, you;

  • Must be 18 years of age
  • Must be a resident in the US
  • Must possess a USA cell phone and number that can send/receive SMS from shortcodes. The phone number should not have opened another account.

Once your account is active, you can request the debit card by following the procedure below.

  • Tap the “☰” icon
  • Select Venmo Debit Card to start the application. You should make sure that you have the latest version of Venmo to see the option for the Debit card application.
  • Next, Venmo will need to confirm your personal information, including name, home address (P.O. Box), Social Security Number (SSN), date of birth, and a copy of any government ID identification documents.

Government identification documents include;

  • Driver’s license
  • U.S. passport
  • U.S. government-issued ID
  • DHS card
  • Tribal ID card
  • ITIN Assignment letter, and 
  • SSN card

Pictures in any of the identification documents must be clear to prove that they belong to you. One of the primary reasons the governments require financial institutions to verify the identity of persons applying for bank or card accounts is to prevent funding of terrorism, among other kinds of crime.

Without money, terrorists will not be able to recruit or buy weapons. Venmo verifies the information as soon as possible, and if there are system delays, they will always communicate to you. If you had already provided the details above when opening a Venmo card, there would be no need to submit them again when applying for the card. You will only need to reconfirm your name and address you gave when you verified your identity during the account creation.

Who issues Venmo Debit Card?

how to get money from venmo without bank account

The Bancorp Bank has a license from Mastercard International to issue the Venmo Debit Card. You can use the card anywhere accepting Mastercards such as ATMs, online shops, merchant stores, and so on.

Furthermore, the funds have FDIC insurance so that in case the bank collapses, you will not lose your money. Once you get the card, you need to activate it by navigating to settings, then Venmo Debit Card, and follow prompts.

How long do I wait for the debit card?

Venmo debit card takes 10-15 business days to arrive at your home address once approved. If 15 days are over and you do not receive your card, you can contact Venmo for clarifications. Maybe there are some details that you need to provide.

Can I use the Venmo Debit Card internationally?

You cannot use the debit card internationally. The card usage is only applicable within US and US territories. The same applies to Venmo App, and thus the whole of Venmo is only for US residents only.

If you need to perform international transactions such as buying goods online, you can open a PayPal account that is under the same management as Venmo. PayPal also has a debit card by the name PayPal Cash Card. It also issues credit cards.

How much does it cost to apply for a Venmo Debit card?

Applying for a debit card is free. Moreover, there is no monthly fee for the card, unlike some other card issuers. Again, online purchases using the card are free of charge.

However, there are fees associated with card usage. For instance, the ATM withdrawal fee is $2.50. If you withdraw money over the counter at a bank or any other relevant institution, you will part with $3.00.

You can avoid withdrawal fees if you use the MoneyPass® ATMs within the U.S. If you purchase goods and services from merchants with labels Maestro® or PULSE, you can get cash backs depending on the merchant’s participation.

Can I apply for more than one debit card to my account?

You cannot have two cards for your account. Moreover, you cannot add someone else’s debit card to your account.

What should you do if you lost your Venmo Debit card?

Sometimes you may misplace your card, or someone may steal it from you. If any of the above incidents occur, you need to quickly and disable the card from your app. Go to Settings, then select Venmo Debit Card and see the deactivation option. Alternatively, you can call Venmo customer care via 855-204-4090 and have them deactivate the card on your behalf.

In case you get your card back, you can reactivate it back to use on your app. It should not take long. If you do not get the card, you can apply for a new card by contacting the above phone number. The same applies if your card gets damaged. Furthermore, you can permanently close your card by contacting Venmo customer care via phone call or submitting the issue.

Does Venmo Debit card expire?

All payment cards expire irrespective of whether they are debit or credit cards. You should always be keen on the expiry date to get ready for a new card. Interestingly, Venmo will always notify you within sixty (60) days of your current Venmo Debit Card’s expiration date in your app. You can thus request a replacement.

Upon getting the new card, you should activate it to start using it. Venmo permanently closes cards not activated within 90 days. You can destroy the old card since it is of no use. If you have not used the almost expiring card, you need to make at least one transaction before applying for a new one. Make sure that you update your shipping address if, for any reason, you moved to a different location.

How do I recharge my Venmo account?

When you recharge your Venmo account, the funds are available for both in-app and card usage. There are various ways you can use to recharge your Venmo account. They include the following.

i) Use your linked and verified bank account

Venmo allows you to connect a bank account to your account so that you can either fund your transactions using the bank account or withdraw money to the account. Navigate to the “Manage balance” section and;

  • Enter the amount to transfer
  • Tap “Done”
  • Confirm your bank account to transfer money from
  • Tap “Next”
  • Review the information and then tap “Add Money.”

You have to be careful when entering the information above since once you authorize the process, you cannot cancel.

ii) Direct deposits

If you have a debit card, you can set up a direct deposit from your employer or any other relevant party. Direct deposit requires that you provide the sender with both the routing and account numbers that every debit card must have.

iii) Check deposits

Venmo allows online check deposits whereby you have to navigate to the “Manage Balance” section, select “Cash a Check.” input the check amount, signs the back of the check and take pictures of the two sides of the check and follow prompts.

Bottom line

You can get money from Venmo without a bank account using the Venmo Mastercard Debit card. If you visit any ATM, you can get cash for use in various transactions. You can also use the card to withdraw funds over the counter of any bank that accepts Mastercard. Even though you can withdraw some money from Venmo without the need for a bank account, you still need to add a bank account to fund your Venmo transactions when the need arises.


How to Add Money to Venmo

What To Know

  • From your bank: Go to Profile > Settings > Payment Methods > Add a bank or card > Bank. Choose a verification method.
  • From a card: Go to Profile > Settings > Payment Methods > Add a bank or card > Card. Enter your card info.
  • Using a bank account requires confirmation of micro-transfers from Venmo; those can take a full business day to complete.

This article explains how to add funds to your Venmo account both using your bank account and a credit card.

Adding Funds to Venmo via Your Bank

The first option for funding your Venmo purchases is by linking your bank account to your account. While Venmo will default to using your balance in the app first, if your balance doesn't cover your purchase then you can add your bank account as an option to transfer the funds.

  1. Select the Profile icon from the bottom menu.

  2. Tap Settings and then Payment Methods.

  3. Tap Add a bank or card...

  4. Tap Bank.

  5. Choose a verification method.

Entering your login information for your bank may allow you to verify instantly; otherwise, Venmo sends micro-transfers of < $2 to your account to confirm your identity. The micro-transfers take a business day to go through, so you won't be able to start paying anyone instantly.

The other benefit of adding funds through your bank account is that it's a two-way street; you can also transfer your Venmo balance over to your bank account. So if you're using Venmo to have your roommate pay their portion of the rent you can move it over to your bank account instead of having hundreds sitting in your Venmo balance.

Add a Debit or Credit Card to Fund Your Venmo Account

You can also add a debit or major credit card to your Venmo profile, allowing you to make purchases through the app that are paid by your card.

  1. Select the Profile icon from the bottom menu.

  2. Go to Settings and tap Payment Methods.

  3. Choose Add bank or card... and then tap Card.

  4. Enter your card information manually or with your phone camera.

Entering a credit or debit card doesn't require micro-transfers to verify the source, so it's the faster of the two options if you're in a hurry to make a Venmo purchase.

Users should know that credit cards are subject to a 3% fee in Venmo unless they're used at a Venmo-approved merchant.

Other Options to Fund Venmo Accounts

Venmo also offers their own "card" which has an auto-reload feature in $10 increments, if you choose to apply for the card and enable that feature. This option looks at your balance and adds more money from your bank in $10 chunks if your balance won't cover your purchase. Any excess funds from the reloaded funds wait in your account for your next purchase.

You can easily be a Venmo user who only uses their bank account or a personal card to fund their purchases. Pick the method that you're most comfortable with, watch out for the credit card fee on large purchases, and you're good to go.

Thanks for letting us know!


Can I Send Money from Venmo to Cash App? Transfer From Cash App to Venmo

Can Cash App Send to Venmo? You can use Cash App to transfer money to your Card tied to your Venmo indirectly. Alternatively, you can use a bank account that’s linked to both of your Venmo and Cash App accounts. Alternatively, add your Venmo Mastercard to your Cash app to fund your wallet.

Is it possible to send money from Venmo to Cash App? This is a common question, especially by Venmo users. Yes, you can send money from Venmo to the cash app indirectly but there is no direct “Send to Cash App” button transfer button.

Both Venmo and Cash App is peer-to-peer payment service that enables sending money easily among friends and family.

They both are extremely popular with a massive user base, however, unfortunately, there is no function to click and deposit the money in others instantly.

In this article, we will discuss the different methods to transfer money from Venmo to Cash app.

Before going deeper, let’s first know a little more and see how Venmo works.

how to transfer money from cash app to venmo


How Does Venmo Work?

  • First, download the Venmo app on your phone.
  • Create an account with your personal details
  • Just link the app to your Bank account or a debit card and spend away.

Unlike others, to use Venmo, you only need to link your debit card with Venmo app and there is no fee involved. To withdraw money from Venmo, you can do so either to your bank account or debit card.

Related read:7 Reasons Why Cash App Won’t Let Send Money?

To avoid the standard limit of six online withdrawals or transfers per month, we recommend you to link your checking, not a saving, account if you have one.

Here are the indirect ways to send money from your Venmo to Cash app

  • Setting up a direct deposit for your Cash App account.
  • Using a bank account that is linked both to your Cash App and Venmo account.

How to Send Money from Venmo to Cash App?

Basically for this method, you are treating your Cash App account like an actual bank account.

However, you first need to have a Cash Card associated with your Cash App account to find your account and routing numbers.

Locate Your Cash App Account and Routing Numbers

  • Launch the Cash App and click on the dollar sign to access the “My Cash” tab.
  • On the “My Cash” tab, tap on the the Cash button with the dollar sign right next to it.
  • Go to Direct Deposit and select the Get Account Number option.
  • From the popup, make sure to Enable Account selection.
  • From your account information, tap on the “Copy Account Details” button.
  • Select both your Routing Number and Account Number to be copied to the clipboard to paste the numbers and save them somewhere safe.

Add Your Routing and Account Numbers on Venmo

Once you have got your Account and Routing number, time to move to the next part of the transfer process which is to add the numbers to your Venmo account.

Remember that we are using your Cash App Account and Routing Number as a Bank Account.

Here are the steps to add the Cash App credentials to Venmo:

  • Open the Venmo App,
  • On the top of the app, select the three horizontal lines for Settings.
  • On the “Settings” section, tap on the “Payment Methods”.
  • Select “Add a Bank or Card”.
  • Tap on “Bank”.
  • Enter the Cash App numbers in the required fields.

Once it is liked, Venmo will use your Cash App account as if it is a bank to transfer money between them the same way you’d send or withdraw funds from a regular bank account.

You can now deposit money directly from your Venmo to your Cash App account.

Transfer Money from Venmo to Cash App with a Bank Account Linked to Both Apps

The process here is simple. Basically, you use a mutual bank account linked to both your Venmo and Cash App account to move your funds around.

For instance, if you need to transfer money from Cash App to your Venmo, you first move your funds to your bank account and then later reload to your Venmo from your Bank Account.

Must read:Can Cash App Transactions be Traced?

It follows the same process for Venmo to Cash App and vice-versa.

If you haven’t added a bank account, follow the steps to add a bank account to your Venmo

  1. Open Venmo App
  2. Go to Settings and Payment Methods.
  3. Add a bank account (if you haven’t)
  4. Verify your bank account.

How Do i Send Money from Venmo to Cash App?

Steps to send money from Venmo to cash app:

  1. Tap on the “☰” from the top of the app
  2. Select “Transfer to Bank” or “Transfer Money” (They both mean the same thing. it can differ depending on your device, in some cases you may even have to first select “Manage Balance” and then “Transfer Money or to Bank”).
  3. Enter the amount you want to transfer
  4. Next, you need to choose between an Instant transfer (transferred within 30 minutes after you approve with a small fee) or a “1-3 Business Days” (no fees) transaction.
  5. Select your bank account
  6. Review the information and once everything is set, confirm the transaction
  7. Press on the “Transfer” button to move the funds.
  8. Your funds are now transferred to the bank. Depending on your selection of Instant or 1-3 Business Days, your fund will be credited. Once the money is credited, you can load them to your Cash App account.

Note: The process is similar to Transferring of Venmo Balance to Bank Account

Transfer Money From Your Bank Account to Cash App

  • Open your Cash App
  • Tap on the Balance tab, click on Add Cash.
  • Enter the amount of money you wanna add and click on the Add button.
  • Use your Touch ID or enter the PIN to confirm the transfer.

Note that for this method to work, you need to have the same bank account that is linked to both Venmo and Cash App to transfer the funds.

What’s the Maximum Amount can I send using Venmo?

After signing up for Venmo, your person-to-person and payments to authorized merchants is limited to $299.99 per week.

Related read:How to Add Money to Cash App Card?

However, Once they have confirmed your identity, your Person-to-Person Payments weekly sending limit is move up to $4,999.99 and Authorized Merchant Payments at $6,999.99.

Can you Send Money from Venmo to Cash App

How to verify your identity on Venmo?

To verify your identity, Venmo will ask for your legal name, address, date of birth, and your Social Security Number or Tax Identification Number.

Usually, that will be enough to get your identity confirmed, but If in the case they cannot verify your identity, Venmo may request for more information including your US passport or driver’s license.

  • Open the Venmo app on your Phone.
  • Select the three stacked lines on the top-left corner of the screen.
  • Click on “Settings.”
  • Scroll down to the “Security” section and tap on the “Identity Verification.”
  • Tap on the “Next” button on the one-time security check information page.
  • Enter all the required information – legal first and last name, date of birth, the last four digits of your Social Security Number
  • Once entered, click on the “Next” and follow any remaining on-screen prompts

After you’ve submitted your information, it can take up to 3 business days to review and get back to you. If you don’t hear anything back after 3 business days, you can contact their support team.


Can you transfer money from Venmo to Cash App?

Yes, you can send money from Venmo to the cash app indirectly but there is no direct “Send to Cash App” button transfer button.

Can you transfer money from Cash app to Venmo?

Yes, the same process can be used to transfer money from a cash app to Venmo.

How much can I send from Venmo to Cash App?

After signing up for Venmo, your person-to-person sending limit is $299.99 and after your identity is confirmed, your weekly rolling limit is $4,999.99 and Authorized Merchant Payments at $6,999.99


All the above methods work to move your money between the two apps. But sometimes, it can be frustrating since it can take even 3-4 business days to move if you prefer not to pay for instant transfer among many others.

Hopefully, Cash App and Venmo work together and allows to transfer of money from Venmo to Cash app and vice-versa with the click of a button (although highly unlikely).

For any queries and issues, you can always let us know in the comments below or talk to us via our Contact Page.


How to send money to someone without a bank account

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Approximately 14 million adults in the US were without bank accounts in 2021, according to the FDIC. Without a bank account, bank transfers are not an option when you need to move money. But don’t worry, you have options. Here’s how to send money to someone without a bank account.

Can I transfer money to someone without a bank account?

Yes! In the past decade, we have made huge strides in digital banking and financial technology. While it might not have been possible to transfer money to someone without a bank account in the past, it is definitely possible today.

What are the best options to send money without a bank account?

There are plenty of ways to send money to someone without a bank account, each with different levels of speed, security and convenience. Here are some of the best options:

Use an online money transfer service

Sending money through a money transfer service is an option for both sending without a bank account and sending money to someone without a bank account. Several money transfer services allow you to both pay in cash and have cash delivered to your receiver.

Your recipient could receive the funds the same day if they’re delivered via cash pickup or delivery. This option can come with high fees, so be sure to compare money transfer services that offer cash pickup.

Compare money transfer services

Our table lets you compare the services you can use to send money abroad. Compare services on transfer speeds and fees, then click Go to site when you're ready to send.

Data updated regularly


How to add money to Venmo


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By Jonathan Lesser

Use these step-by-step instructions to add money to Venmo

Only Venmo users who have been approved for a Venmo Mastercard Debit Card have the option to add money from a verified bank account directly to their Venmo balance. Just follow the below steps. If you don’t have a Venmo Mastercard Debit Card, there’s no reason to add money to your balance because you don’t need to have money in your account to make payments to other Venmo users. If you enter a payment amount that’s greater than what you have in your account, Venmo automatically takes the difference from your linked funding source.

So if you have a Venmo Mastercard Debit Card and want to add money to your Venmo balance, simply follow the steps below:

1. Add a bank account

If you haven’t already, add a bank account to your Venmo profile and verify it.

2. Tap Manage Balance

Open the Venmo mobile app and tap on the menu icon at the top of the app, then tap “Manage Balance.”

3. Tap “Add Money”

4. Enter transfer amount

Enter the amount you’d like to transfer, and tap “Done”

5. Confirm

Confirm the bank account you’d like to transfer money from, and tap “Next.”

6. Review

Review the transfer information and estimated arrival date, and then tap “Add Money.” 

Note: Once you do this, there is no way to cancel your transfer.

Jonathan Lesser is a writer and editor covering cryptocurrency and personal finance. He has worked at two Fortune 100 financial services companies and has been published in Men’s Health, Men’s Journal, Vibe, Travel + Leisure Golf and other publications.


If you use digital payment apps, you are probably familiar with Paypal and Venmo. Because of similar features, you may have questioned does Paypal own Venmo?

Paypal recently acquired Venmo. Under new leadership, there are discussions to further bridge the applications. So if you are a loyal PayPal user or Venmo user, you could see more sharing capabilities in the future.

But, these dreams may have to wait (for the time being). There is not a direct capability to transfer money from Venmo to Paypal.

But, is there any way around this? How can you Venmo to Paypal?

First, you will need the understand each application's basic features and attributes. Then, you'll be ready to follow these steps to make the transfers you need.

While this process isn't as easy as one-click transfers, it is possible. With just a few extra steps and insights, you can be on your way to connecting Paypal to Venmo.

What is Venmo?

Venmo is one of the most widely used digital payment apps. Paypal recently revealed that Venmo has more than 40 million registered users. Venmo's popularity is because of its easy-to-use free application and quick transfer time.

Users download the free app. Next, users add their bank or card information to make transfers. Then, they find other users to send transfers.

Venmo transfer times are quick and efficient. But for an extra cost, users can choose to send money "instantly." Traditional banks can charge for transfers and accounts don't always accrue attractive interest. For these reasons, a free-to-use app like Venmo is especially appealing.

Unique Features

Venmo has some unique capabilities. For example, you can link your Facebook or contact list to the app. When sending transfers, you can add a special note or emoji.

This note can be public so other users can see your transfer (but not the money amount). Or, you can keep transfers private between users.  

What is PayPal?

PayPal is often considered the "original" digital payment app. The application has more than 346 million active users. Paypal also reported more than 3.7 billion in transactions last year.

Like Venmo, Paypal is a free digital payment app. The app allows users to send and receive transfers. With Paypal, you can connect your bank account. Or, you can link a debit card or credit card to your account. Most transfers are free. But, like Venmo, for "instant transfers," you will need to pay an additional fee.

Unique Features

Besides user-to-user transactions, many businesses benefit from Paypal. If you own an online store, you can use Paypal as a payment option.

Paypal also has different currency options. So if you have clients who pay in multiple currencies, the app will store these funds and provide a daily currency transfer rate.

Paypal offers transaction protection. If there was a transaction fraud, scam, or dispute, Paypal's features can protect sellers and buyers.

Can You Venmo to PayPal?

Now that you understand more about these digital payment apps, it may seem logical to connect them. After all, if the apps are part of the same company, can't we transfer easily? Unfortunately, the answer is almost.

But, don't feel discouraged just yet. There is a creative way to transfer from Venmo to Paypal.

You'll only need your bank account information, a few other resources, and the ability to follow these steps. Read on!  

Your Venmo to Paypal Checklist

Smart Cellphone with Apps

Your phone will need to have both Venmo and Paypal apps uploaded. To begin, you will need to download the Paypal Cash or Paypal Cash Plus app.

Make sure your phone is not due for any software updates. You will need to update the apps to ensure proper functionality.

These apps function on iPhone IOS or Android. If you don't have a smartphone or access to updated versions of these apps, you may not be able to complete the transfer.

Bank Account

Have your bank account information ready. This includes your bank account number and routing number.

Double-check that your bank account is linked and confirmed to both apps. If you want to switch your bank account or link to a new card, confirm this now.

How to Link Venmo to Paypal?

So, how to link Venmo to Paypal? Once you have checked for the correct Paypal account, updated apps, and confirmed bank account information, you are ready. Here are the steps to link Venmo to Paypal. These easy steps can help you make your first transfer!

Step 1: Connect Venmo to Your Bank

Using the updated Venmo app, transfer your Venmo balance to your bank. Remember, that most transfers on Venmo are free. But, if you want a Venmo instant transfer to Paypal, this will incur a small fee.

If you want to avoid paying excess fees, hold tight for a few business days. In one to three business days, your Venmo transfer should arrive in your bank account.

Step 2: Check Your Paypal

Do you have the correct Paypal account and the updated app downloaded? Remember you need the Paypal Cash account or Paypal Cash Plus account to continue with these steps.

Login to your Paypal account and click on "my account." You should see a landing page that will show you your Paypal balance and any recent activity.

Step 3: Load Your Paypal Balance

On the same landing page where you see your Paypal balance, there should be two lines that read " add money" or "transfer money." Click "add money."

You don't want to click transfer money because this will send funds away from PayPal; the opposite goal. Essentially, to transfer your funds from Venmo to Paypal, you want to "add" or grow your Paypal balance. Next, you will be prompted to a screen that will ask you to confirm bank details and select your transfer amount.

Type in the Dollar Amount

You should have your bank details loaded in Paypal. You can manually type in the amount of money you wish to add. Type in the same amount you transferred from your Venmo account.

For example, if you transferred $50.00 from your Venmo balance, type in $50.00 on this Paypal line. This $50.00, through the bridge of your bank transfer, will be "added" to your Paypal balance.

Step 4: Transfer Complete

After manually typing in your transfer amount, click the "Add" button. This transfer can take a few business days to complete. In a few days, you will see the money you transferred from Venmo now loaded into your Paypal account.

These Steps Can Help You Grow Your Funds

There is no magic "Paypal Venmo button" or "transfer Paypal to Venmo card." You now understand that transferring your Venmo balance to Paypal requires a few additional apps and connecting your bank account. These steps can be your guide to easily transfer your Venmo balance to Paypal.

Just remember that these transfers can take a few business days unless you pay the app fees. So, if you need to transfer important funds line rent or emergency money, plan accordingly. Once you have loaded your Paypal balance, you can use those funds to shop online or in stores where Paypal is accepted.

Or, you can withdraw those funds to other bank accounts or cards. These steps can help streamline the transfer process but can also encourage you to grow your money and save. Instead of cashing out your Venmo payments or letting that money sit in the account, transfer it to your Paypal balance Your Paypal can act as a savings fund.

But Are You Looking for Other Ways to Save?

But, are you still looking for other ways to grow your money and save? If you're worried about low bank interest rates or struggle to save money, consider Yotta. Yotta is an app created to help Americans be more financially secure.

Yotta partners with high-value banks to offer more attractive rates. Then, a portion of that interest is combined and offered through weekly prize draws. Yotta takes a portion and pays it to users no matter the circumstances.

But, even in weeks where you don't win, your money is still growing over time. While saving your Venmo or Paypal balance is a best practice, an app like Yotta can help you grow that money over time.

Do More than Venmo to Paypal Transfers. Start Saving and Start Winning!

Can you Venmo to Paypal? You nowknow the steps to do it! While transferring from Venmo to Paypal can be a good way to transfer money and save, consider adding other savings apps like Yotta. Yotta is FDIC insured which means your hard-earned money is protected.

You can download the Yotta app on iPhone IOS or Android. If you want to learn more about Yotta, register and get started.

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Zelle vs. Venmo: What’s the Difference and Which Is Better?

Banking / Mobile

Zelle vs. Venmo apps on smartphone display screens

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It’s common to split a bill with friends and family nowadays by sending them a mobile payment, and likewise, it’s not unusual to send mobile payments to others who might have bought you something you couldn’t buy yourself. Many of these payments are sent through Zelle and Venmo. Both are peer-to-peer payment apps that let you send money fast and for free by looking up your friend’s email address or mobile phone number, entering an amount and hitting send.

Zelle and Venmo make sending and receiving money easy but in different ways. Zelle works as a service to move money between linked bank accounts free of charge but doesn’t hold money in your Zelle account. Venmo holds funds in your account that you can access. You’re not limited to only using your bank account for transactions with Venmo, either — you can also use a debit card or, for a fee, use a credit card to send money.

Compare Zelle and Venmo to decide which app works best for you and your friends.

How Zelle and Venmo Compare

Zelle and Venmo share the same concept: sending and receiving money electronically. But there are important differences.

What Is Zelle?

Zelle is a great tool if you and your network of family and friends have accounts with banks that participate in the app. With Zelle, you can transfer funds between bank accounts in minutes for free. The money transfers don’t sit in a holding account in Zelle but instead get withdrawn or deposited directly into your or your recipient’s bank accounts. Most banks participate in Zelle, but even if a bank doesn’t, you can still use Zelle to move smaller amounts of money.

What Is Venmo?

Venmo is more like a digital wallet that works similarly to PayPal. Your money collects in Venmo and you can move it to other accounts, spend it or reload your Venmo balance. Some of the transactions come with fees.

Features of Zelle and Venmo

If you’re still unsure about whether to use Zelle or Venmo, compare their features:

Payment/transfer methodsTransfers between linked bank or credit union accountsVenmo funds, credit, debit and bank transfers
Mobile appYesYes
AvailabilityU.S.-only transactionsU.S.-only transactions
Fees for sending money using bank transfer or your account balanceFreeFree for standard transfers (1-3 business days); 1.5% for instant transfers
Credit card transaction feesN/A3% fee
Debit card transaction feesN/AFree
Transaction limitsAsk your bank about its limits; sending limit of $500 for accounts with banks that don’t participate in Zelle$299.99 weekly transaction limit for unverified users; $4,999.99 person-to-person sending limit for verified accounts
Bank account transfer timesTakes only minutesInstant for a fee; otherwise within 1-3 business days free of charge
ATM withdrawal feesN/AFree MoneyPass network withdrawals; $2.50 charge for out-of-network withdrawals
SecurityAuthentication and fraud monitoringData encryption

How Secure Are Zelle and Venmo?

As you can see in the comparison chart, both Zelle and Venmo have built-in security features to make money transfers safe. Zelle’s team monitors transactions and uses authentication to ensure your banking information is protected. Venmo also monitors transactions to catch fraud and uses data encryption to protect your personal data. Both services are safe, although Venmo could be considered the more secure of the two because you can add a PIN and enable multifactor authentication in the app.

Is Zelle Faster Than Venmo?

Both peer-to-peer apps are fast, but Zelle is the fastest — and it’s free. Zelle transfers happen almost instantly. Venmo funds take one to three business days unless you pay a 1.5% transaction fee for an instant transfer, which is available in minutes.

Can Zelle Send Money to Venmo?

You will not be able to use Zelle to send money to a Venmo account. The two services work completely differently. Venmo funds are held as a Venmo balance in your account for you to spend or transfer, but Venmo is not considered a bank. Zelle is a peer-to-peer app designed to transfer funds between bank accounts. Since Venmo is not a bank account, you won’t be able to transfer funds to Venmo from Zelle.

The only workaround to this limitation would be to send money to the bank account a Venmo user has linked to their Venmo account. Once the user receives your Zelle transfer into their bank account, they can then transfer the funds from their linked bank account straight into their Venmo balance.

Is There a Fee To Use Zelle?

There is no fee to send or receive money via Zelle. Check with your bank to make sure it doesn’t charge fees for using Zelle’s service.

Are Zelle Transactions Reversible?

The reason Zelle transfers are so fast is that both users have typically set up the service through their participating banks and are enrolled in Zelle. All you need is the other person’s email address or mobile phone number to send the funds, and you’re done. This is a big plus, but the ease of sending someone cash so quickly can also be an issue if you click on the wrong person. You won’t be able to reverse transactions between enrolled accounts. However, if the recipient has not enrolled with Zelle, you can cancel a transfer to them.

Zelle vs. Venmo: What’s the Difference and Which Is Better?

The main difference between Zelle and Venmo is where the funds are held. Zelle is limited because the service only moves money between bank accounts. In contrast, you can receive money into your Venmo account, which can then be withdrawn, transferred and even topped up if you need more.


If you’re looking for an alternative to the services your bank account offers, Venmo is the better of the two. You’ll be able to grow your Venmo fund account, link your credit and debit cards, withdraw funds from your Venmo account for free using MoneyPass ATMs nationwide and make bank transfers.

Information is accurate as of Sept. 29, 2021.

About the Author

Cynthia Paez Bowman is a personal finance writer with degrees from American University in international business and journalism. Besides writing about personal finance, she writes about real estate, interior design and architecture. Her work has been featured in MSN, Brex, Freshome, MyMove, Emirates’ Open Skies magazine and more.

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